Free and Clear Property. Need some cash out.

I have a 1.5 acre property in Cloverdale CA. It is free and clear. MAI appraisal done in March of this year and came in at 815,000. highest and best use is for 12-15 residential homes. Currently has a small home and converdted garage. Looking to borrow up to 40%. Partly to begin entitlements.

Does anyboy know of someone that may be able to help me.